Travel Insurance

Travel often? Planning your next holiday? Don’t forget your travel insurance! Read on to find out more information about what Max Insurances can offer!

 

 

What is travel insurance?

 

Travelling is one of the most exciting things in life. However, going on holiday without travel insurance can be very risky. No matter how well planned you are, sometimes things could go wrong on your trip and result in huge costs. That’s why buying insurance is so important.

 

Travel insurance is designed to cover travellers for unexpected events like:

 

TRIP CANCELLATION

If you can’t go on your trip due to unforeseen events like injury or illness of a close relative, travel insurance can cover you for cancellation costs.

 

HOSPITAL VISITS AND MEDICAL EMERGENCIES

Finding yourself in a hospital during your trip is certainly not a good experience. Unexpected hospital visits can quickly end up costing a large amount of money. A travel policy can cover you if you are injured or fall ill while travelling.

 

LOST, STOLEN OR DAMAGED PERSONAL BELONGINGS

Loss or damage to personal belongings is one of the main reasons people buy insurance. Some insurance plans can take care of the costs if something happens to your items like your luggage, mobile phone and camera.

 

Besides the basics, a good comprehensive policy will also cover your holiday for travel delay, rental vehicle excess, personal liability and much more.

 

 

How can Max Insurances Help?

 

At Max Insurances, we want people to go, explore the world without the worry. However, we know that even the most carefully planned trip can go wrong, so we want to work with you to create a tailored insurance plan that covers every event that could affect you on your trip.

 

As experts in insurance, we are confident that our thorough knowledge of insurance products in NZ will be of benefit to you, and we pride ourselves on building strong relationships with a wide variety of insurance providers. Whether you’re travelling in New Zealand or overseas, looking for a cheap cover or fully comprehensive one, we will help you find the right policy that best suits your needs. If something happens and you need to make a claim, we can also provide helpful information on who to contact, how to claim, so you can get back to more interesting things sooner – like relaxing on the beach.

 

 

Why choose Max Insurances?

 

  • We have access to a broad range of insurance providers, allowing us to explore heaps of policies
  • We are not aligned to any insurer, which means we’re on your side and provide advice in your interests
  • Max Insurances is 100% Kiwi owned, and we have an extensive knowledge of insurance products in NZ
  • There is no cost to you for using our service
  • Part of our team Max Loans can help provide Holiday Loans
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Contact Max Insurances today

 

Our friendly and super dedicated Insurance Advisers would love to take the time to understand your insurance needs and find the most appropriate cover for you. Contact us today to discuss your options!

Frequently asked questions relating to travel insurance

In most cases, you can buy travel insurance any time before your travel arrangements start. When you buy travel insurance, you can decide if you want the policy to start immediately or at a later date. If you want it to start on the day you buy it, you’re insured from the moment you pay for your travel insurance policy.

It’s a good idea to buy travel insurance at the same time you start paying for your trip. Whether that’s when you buy your air tickets or when you book your hotel accommodation or pay any other travel related costs. That way you’re covered immediately should something happen to change your plans.

If you’re unsure about when your travel insurance policy begins – or you need help finding the right travel insurance policy for your trip – get in touch with an Insurance Adviser at Max Insurances. What’s more, if you are thinking of taking a vacation but don’t have the money saved up, our Personal Lending Team at Max Loans can assist with a holiday loan to help cover all travel related costs, such as flights, accommodation and even travel insurance expenses. Get in touch with us to discuss your needs and options!

When it comes to buying travel insurance, most travel insurance policies don’t automatically cover pre-existing conditions. That doesn’t mean you can’t take out travel insurance if you have a pre-existing condition. It just means that complications that arise because of existing health issues may not be covered should they happen. Not disclosing pre-existing conditions could mean your travel insurance policy is cancelled or your claim is declined.

If you’re unsure whether or not your pre-existing conditions are covered by travel insurance, work with a knowledgeable Insurance Adviser who can guide you in your choice of travel insurance, and help you carefully compare policy inclusions and exclusions.

Unfortunately, even the very best travel credit cards offer limited travel insurance cover. While it’s a nice-to-have extra, it shouldn’t be your main source of travel insurance cover, particularly if you’re travelling overseas. In addition, some travel credit cards may cover lost or stolen items, medical expenses, or even trip cancellation, but these will only be covered if you’ve booked your trip using that specific credit card.

It’s not hard to see why so many travellers struggle to choose the right travel insurance cover, when faced with the vast number of travel insurance policies available. It can feel confusing and overwhelming trying to compare inclusions and exclusions, and many policies are written using complicated jargon and terminology that make them difficult to understand. Work with an Insurance Adviser – like those at Max Insurances – to find a travel insurance policy that covers everything you need and nothing that you don’t, so you save money too.

Whether you’re hitting the road with your rental car or exploring new destinations in your own motorhome, if any part of your road trip has prepaid, non-refundable components, you should look at your cover options. A good travel insurance plan could reimburse you for lost pre-paid expenses, as well as costs you incur because of a covered event that has disrupted your travel plans. What’s more, travel insurance can also provide financial protection against unexpected expenses like rental vehicle excess, emergency medical care, and stolen or damaged baggage that could otherwise leave you out of pocket.

At Max Insurances, we specialise in helping Kiwis arrange insurance NZ wide, and we have a broad range of insurance solutions to help ensure that you’re supported at every stage of your trip. If you’re planning to travel in your own motorhome or caravan, our experienced Insurance Advisers can also help you arrange motorhome insurance or caravan insurance to keep you, your family and your vehicle covered, so you can focus on exploring new places and making unforgettable memories! Give us a call on 0508 629 5626 to discuss your insurance needs!

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